Bad Credit Loans In Kentucky

Name: Acorn Finance Offers
Brand: Acorn Finance
Rating: 4.6 (1079 reviews)

Get personalized rates in 60 seconds for bad credit loans in Kentucky, without affecting your credit score.

Our customers say Excellent Trustpilot stars

4.6 out of 5 based on 1079 reviews

Our customers say Excellent Trustpilot stars

4.6 out of 5 based on 1079 reviews

Bad Credit Installment Loans In Kentucky

Bad credit loans in Kentucky are loans structured specifically for residents of The Bluegrass State who might have lower-than-average credit scores or bruised credit histories. They can come in different forms such as secured or unsecured loans, but generally all work to loan borrowers with bad credit funds. Some types of bad credit loans are more favorable than others, so do your research and consider your needs.

Example personal loans in Kentucky

10.64%³

APR

84 mos.

Loan term

$10,340

Loan amount

³Last updated on 03/21/2025. More than 10% of loans taken in the state of Kentucky have a lower APR than what is advertised here. You may have different rates and terms than what is being advertised.

Get Started

Find Bad Credit Loans in Kentucky

About LightStream

Coming Soon…

Pros

Coming Soon…

Cons

Coming Soon…

About Sofi

Coming Soon…

Pros

Coming Soon…

Cons

Coming Soon…

About Upgrade

Coming Soon…

Pros

Coming Soon…

Cons

Coming Soon…

About Bestegg

Coming Soon…

Pros

Coming Soon…

Cons

Coming Soon…

Helping Kentucky Residents Find Bad Credit Personal Loans

Off to the races we go, although the track to bad credit loans in Kentucky may not be as smooth as you wish.

Whether you're a Kentucky resident seeking home improvement loans for bad credit or bad credit personal loans in Kentucky to cover whatever life has thrown your way, it can be difficult to know where to begin. Read on to learn all about bad credit loans in Kentucky and what your credit might need to look like to qualify.

Bad Credit Loans in Kentucky: Frequently Asked Questions

How do bad credit installment loans in Kentucky work?

Bad credit installment loans in Kentucky work much like any other personal installment loan, where the borrower is granted a predetermined amount of money and agrees to repay, with accrued interest, in monthly installments. These monthly payments can vary in amount based on the specific loan offer. The main difference between a regular installment loan and a bad credit installment loan in Kentucky is that the latter often comes with substantially higher interest rates when compared to the same structure for an individual with good credit.

What credit score is needed for a bad credit loan near me?

It's difficult to give an exact answer as to what credit score is needed for a bad credit loan near you, as each lender will have their own criteria. Lenders may even have a different idea of what exactly "bad credit" is, though typically, this refers to anything below a 630 FICO score.

As you begin your search you should note that offers will be more likely to be returned for borrowers with fair, good, average, or excellent credit. Most lenders on the Acorn Finance platform have a credit score cutoff of 600 or above. If possible, boost your credit score before applying. To do so, consider using a credit monitoring services to better understand your credit score and how to improve it.

How do you find an online bad credit loan near me?

To determine what credit score is needed for a bad credit loan near you, let's talk about credit ranges and exactly what "bad credit" is.

A poor FICO score is considered to be in the range of 300-579, with fair FICO scores falling between 580-669. Offers will be more likely to be returned for borrowers with fair, good, average, or excellent credit. Most lenders on the Acorn platform have a credit score cutoff of 600 or above.

Remember, lenders can consider other factors such as income or debt-to-income ratio to determine a borrower's creditworthiness. Some lenders may work with borrowers with so-called bad credit, but not many are willing to due to the risk.

How to choose the best Kentucky personal loan for bad credit for you:

The best offer can vary depending on your circumstances. So, on that note, a good first step is to understand your credit score. Here are 3 steps you can take to choose a competitive personal loan offer:

Check your credit score and identify ways to improve it
Receive personalized loan offers at Acorn Finance and compare
Choose the offer that works best for your situation and proceed with the lender

Other States with Bad Credit Loans

Other Kentucky Loan Options:

Find Banks Near Louisville, Kentucky

Check Offers for Bad Credit Loans in Kentucky

Bad Credit Installment Loans In Kentucky: Personal Loan Calculator

HOW IT WORKS

Find the loan you're looking for

Table comparing monthly payments, APRs for approved personal loans.

See your options

Take a few minute to answer few questions, and we'll match you with the right range of lenders to consider

Choose your loan

Find your favorite marketplace of offers and apply directly with the lender you prefer

Do your project

If you're approved, use your funds to cover all your costs now, and pay the lender back month by month

We’ve helped over a million customers, and we’re just getting started

verified

It was trying to get financed for my windows and siding.

It was trying to get financed for my windows and siding. Easy process, just filled out the application.

Patricia MCDONNER, 3 days ago

verified

Well done job

We give you 5, because everything went so smoothly

Elizabeth Guerra, 3 days ago

verified

Acorn - highly recommend

Acorn was a fast and easy process in providing me with loan offers. I was able to secure a loan in no time. I would highly recommend Acorn.

Donna F, 5 days ago

verified

Acorn Finance is an awesome company

Acorn Finance is an awesome company. From their initial response to final approval of my loan request, the process was smooth and quick. After completing basic information on-line, Acorn followed up the same day! I'm very impressed and pleased with their service.

BILLY HARJO, 6 days ago

verified

Easy fast efficient!!!!

Isabel Dalgleish, 6 days ago

verified

Very easy process.

John Levine, 6 days ago

verified

It was pretty quick and simple

ally, Oct 11

verified

Application was reviewed and approved…

Application was reviewed and approved the same day and funds were available within a couple of business days.

Harriet Brown, Oct 10

verified

Loan Process Short and Easy

Loan Application online was quick to complete & response time was fast. The interest rate offered, was lower than using a credit card. Documents were easy to review and sign.

BECKY RUSH, Oct 8

verified

Representative was very friendly

Representative was very friendly. It was quick and easy. Thank you so much! Respectfully, Mr. & Mrs. James Triplett

James Triplett, Oct 8

verified

Very easy and fast.

Joshua Blake, Oct 7

verified

Very easy to apply for loan

Very easy to apply for loan. Quick process and friendly representative.

Tamatha Ridge, Oct 7

verified

Got offers right away with the least…

Got offers right away with the least amount of costs listed first.

Cheryl Kohr, Oct 3

verified

the ease of the transaction

Keith Merriweather, Oct 3

verified

the application process is easy

the application process is easy. Still havent setup my online access

Valerie Simmons, Sep 28

verified

Good

Everyone with Acorn, and Upgrade was very Professional. You guys made everything so Easy.

sam kenerson, Sep 28

verified

Easy to obtain.

Katharine Kuharic, Sep 27

verified

The process was easy to follow and the…

The process was easy to follow and the response was fast! The results varied but that was expected. Having a choice of lenders was great! Sincerely R. True

Randy True, Sep 27

verified

Good Loan Site

I was presented with several loan options in a very short time with the information I needed.

Jparker_tx, Sep 26

Rated 4.6 / 5 based on 1079 reviews.

Trustpilot

What can I do with a $10,000 personal loan?

A $10,000 personal loan has a number of uses, including (but not limited to):

Home improvement Buying a car Wedding costs

Debt consolidation Medical bills Startup business costs

FREQUENTLY ASKED QUESTIONS

Still have questions?

Find Bad Credit Loans in Kentucky at Acorn Finance

We cannot stress enough how imperative it is to build your credit before applying for loans when possible. To get prequalified for a personal loan in Kentucky, open a new tab and submit your information at Acorn Finance. Within seconds you can check offers with no credit impact.

Can you get a bad credit loan in Kentucky with no credit check?

Obtaining a bad credit loan in Kentucky with no credit check can be extremely difficult. If you can find a bad credit loan in Kentucky with no credit check, it will likely be via a vehicle title loan, a payday cash advance, or a pawn shop loan. Be sure you understand what these loans are before committing.

Are bad credit installment loans in Kentucky worth it?

While bad credit installment loans in Kentucky may be worth it in a pinch, it is always advisable to spend the necessary time working on getting your credit score up before starting your loan application process. With higher credit scores comes a better chance at returning low APR personal loan offers.

Check Offers for Bad Credit Installment Loans In Kentucky

One home, endless possibilities